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Home Insurance in 32570

If your primary reason for shopping for homeowners insurance in the 32570 zip code is based primarily on the rising cost of your home insurance premium. Then, it's imporant to know that our rates are very competitive for homeowners living in Milton, FL. Many homeowners that live in the 32570 zip code have found it very easy to shop with For example, we clearly showcase up to 12 carriers that we will shop for you. Plus, our home insurance quotes are free and our Florida licensed agents can also provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free homeowners insurance quote, simply click the "Get Multiple Quotes Now" button at the top. Your 32570 zip code should already appear in the zip code field ready to go. For Milton, FL Homeowners Insurance Quotes, Click to easily get started!

Average Homeowners Premiums in 32570

Homeowners living in the city of Milton are paying on average around $1640 per year for homeowners insurance coverage. This estimated premium is based on a standard HO-3 policy which covers the basic requirements if your home was ever damaged. This is also a minimum requirement by mortgage lenders if there is a lien on your home. A basic policy will cover your home, contents, loss of use, liability and medical payments. It's important to know that homes in the 32570 zip code with a standard homeowners policy does not cover flood damage. You will need to purchase a seperate flood policy to add this additional coverage. Florida home insurance premiums have been recently ranked 1 in the country in terms of the annual cost of premiums. Because premiums in 32570 are higher compared to other states it is always a good idea to shop your home insurance coverage. Our online quoting application can easily help you compare the best rates and coverage options.

Easily Compare 32570 Home Insurance Quotes Now!

We enjoy helping you do two very important things: First, we like to help you save more money per year on your homeowners insurance. Second, we like to help you learn about the best coverage options for your home in Milton. It is possible to pay a lower premium and get more enhanced coverage. Let us help you shop your home insurance premiums today!

32570 Home Insurance Average Premiums

Local 32570 homeowners insurance quotes comparison

$1390 /yr.

Shows Zip Code: 32570 lowest rates with discounts applied on average.

For the 32570, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$1390 /yr.
Average Coverage:$1640 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1940 /yr.

What is the average home insurance cost for a home in 32570?

  • • The average homeowners insurance premium paid annually for a home in 32570 is around $1640 per year.

What does it cost on average per month for home insurance in 32570?

  • • Homeowners in 32570 pay a monthly average cost per month around $137.00.

What kind of discount could I get if I combine my home and auto insurance together in 32570?

  • • Autoowners in 32570 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Milton area, check out other zip codes nearby 32570.
Review average rates in another zip code:
32571 homeowners insurance rates
32570 homeowners insurance rates
32583 homeowners insurance rates

Home Replacement Cost Coverage in 32570

Average Building Cost Per Square Foot in 32570: $167

Location: Milton, Florida (Santa Rosa County)

Average Square Footage in 32570: 1,093 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 32570 before you start any project. Milton homeowners pay on average around $167 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 32570 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 32570 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,093 sq. ft. and the average cost to rebuild the home in this area is around $167 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Milton area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1671,093$182,600
Additional Upgrades & Added Features$2091,093$228,250
Major Home Updates or Advancements$2511,093$273,900

It's important to understand that when you estimate your replacement cost of your home in the 32570 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 32570

Best Home & Auto Insurance Agencies in 32570

Robert Smith Insurance

Address: 5579 Stewart St Milton, FL 32570

Brown, Teresa - Titan Auto Insurance

Address: 6381 US-90 Milton, FL 32570

Bay Insurance Agency Inc

Address: 6422 Old Highway 90 Milton, FL 32570

Kincaid, Ken Milton - State Farm Insurance Auto Car Life 32570 32565

Address: 5259 Stewart St Milton, FL 32570

Allstate Insurance Company - Darren Spicer

Address: 6654 Caroline St Milton, FL 32570

Housing Demographics for 32570

Population Review for 32570 Zip Code

For the city of Milton, the population within 32570 has increased to over 36,652 residents in population size. The current population total is 33,144. We have broken down the population based on race below. In 32570, there are over 16070 in male population and 17074 females.

Total Population33,144
White Population26529
Black Population2410
Hispanic Population1549
Asian Population546
Hawaiian Population98
Indian Population262
Other Population443
Male Population16070
Female Population17074
Population Estimate36652

Household Data for 32570

The average number of homes in 32570 is around 12,950, there are an average of 2.53 per household. The average house value according to local real estate values is around $182,600. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode12,950
Persons Per Household2.53
Average House Value$182,600
Income Per Household$66310
Median Age40.6
Median Age Male38.7
Median Age Female42.4
32570 DetailsValues
State Full NameFlorida
City TypeP
City Alias Abbreviation
Area Code850/448
City Alias NameMILTON
CountySanta Rosa
County FIPS113
State FIPS12
Time Zone6
Day Light SavingY
CBSA_NamePensacola-Ferry Pass-Brent, FL
MSA_NamePensacola, FL MSA
DivisionSouth Atlantic
Economic & Growth ReviewValues
Number Of Businesses532
Number Of Employees5948
Business First Quarter Payroll53474
Business Annual Payroll227387
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population448991
CBSA Division Population0
Congressional District01
Congressional LandArea4016.3
Delivery Residential14487
Delivery Business680
Delivery Total16507
Preferred Last Line KeyY22417
Classification Code
CSA Name
City State KeyY22417
Land Area301.066000
Water Area2.053000
City Alias Code
City Mixed CaseMilton
City Alias Mixed CaseMilton
Box Count0
State ANSI12
County ANSI113
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number115985
Unique ZIP Name
SSA State County Code10560
Medicare CBSA Code37860
Medicare CBSA NamePensacola-Ferry Pass-Brent, FL
Medicare CBSA TypeMetro
Market Rating Area ID55
County Mixed CaseSanta Rosa

Florida Homeowners Insurance News & Information

  • What exactly is a FAIR Plan? Posted on Tuesday 2nd January, 2024

    If you live in an area where severe weather is common, or wildfires pop up every summer you may have trouble finding affordable home insurance coverage. If homes in your area are repeatedly damaged or destroyed by a covered peril, insurers may pull out of the entire area, refusing to write policies in your neighborhood. […]

  • Florida Homeowners Advance From Citizens into Private Companies Posted on Tuesday 5th December, 2023

    Homeowners Choice Property and Casualty Insurance Co. has assumed approximately 53,750 policies from Citizens Property Insurance Corp., Florida’s state-backed insurance company, the parent company says in a Tuesday news release. Homeowners Choice is owned by HCI Group Inc., a holding company with operations in homeowners insurance, information technology services, real estate and reinsurance. Homeowners Choice […]

  • 2024 Homeowners Insurance Outlook Receives Negative Rating Posted on Tuesday 21st November, 2023

    The insurance news for 2024 is certainly not great. Experts expect that extreme weather and increasing costs will push up insurance costs and make insurance companies more selective when deciding where they will write policies.  Recently, credit rating agency AM Best downgraded the entire home insurance industry from stable to negative. According to Richard Attanasio, […]

  • Fall 2023: Florida Homeowners Insurance Premium Update Posted on Tuesday 24th October, 2023

    Despite the fact that the Florida legislation finally passed a couple of bills to deal with the ever-increasing cost of homeowners insurance, it seems unlikely that premiums will start to fall anytime soon according to a report put out by Karen Clark & Company (KCC), a risk modelling firm. The recent report, titled “Managing Expectations: […]

  • Citizens Property Insurance Corporation Citizens Property Sends Out Letters Posted on Wednesday 27th September, 2023

    Soon, hundreds of thousands of Citizens Property Insurance Company policyholders will be getting a letter in their mailbox asking them to move their policy to a private insurance company and away from Citizens, the state-backed insurer of last resort. Citizens Property is using the letters as part of its “Depopulation” effort that was approved by […]

  • 5 New Homeowners Insurance Companies Step into the Florida Insurance Market Posted on Wednesday 27th September, 2023

    Florida’s property insurance disaster may be taking baby steps in the right direction as five new insurers step into the Florida market, taking over hundreds of thousands from Citizens Property, Florida’s insurer of last resort. This could lead to more insurance options for residents of the Sunshine State soon. The five companies in the mix […]

  • Why is Florida homeowners insurance so expensive? Posted on Friday 22nd September, 2023

    Homeowner insurance premiums are dramatically heading up this year, particularly in states that are prone to natural disasters. According to a new report from Policygenius, the average homeowner policy went up 21% nationally which is on top of a 12% increase that homeowners endured last year.  As usual, Florida is at the top of the […]